“When you say ‘third-party payer’ are you referring to my ‘health insurance provider’?”
Yes.
Words mean things, and we believe in defining things by using the correct words. In today’s healthcare economy, the majority cost of your healthcare is paid for by someone else—a third-party—who either is your employer or are your neighbors (via taxpayer dollars). Today’s “health insurance” is not insurance as classically understood. The language of insurance has been stolen to describe a system that is nothing more than a third-party paying your bills.